我国影子银行法律监管制度研究

发布时间：2018-05-21 03:12

本文选题：金融危机 + 影子银行　；参考：《吉林财经大学》2015年硕士论文

【摘要】：影子银行作为2007年金融危机的“罪魁祸首”,其“名声”随着金融危机在全球的蔓延变得家喻户晓,当我们为它给金融市场及全球经济所带来的巨大破坏心有余悸之时,应当开始反思、研究,从而控制影子银行迅速发展造成巨大的系统性风险,采取法律监管手段,将其纳入健康发展的轨道。近年来,经济的快速发展,使市场对资金的需求愈发明显,尤其是中小企业常常面临“资金短缺”的困境,融资已成为金融领域的焦点。而传统商业银行受其自身限制,无法及时满足所有的融资需求。有“银行的影子”之称的非银行金融机构,即影子银行体系应运而生。它们利用金融产品以及信用衍生品,灵活地渗透于金融体系中,与传统商业银行一起对整个金融体系发挥着不容忽视的作用。然而,由于现行影子银行监管方面的法律法规缺失,使得该体系一直处于监管的灰色地带,而成为我国金融业发展的一大隐患。本文将从我国对影子银行法律监管的现状出发,揭示我国法律在影子银行监管方面存在的问题,并分析其原因。通过阐述其他国家在影子银行法律监管方面的相关立法,借鉴他们的经验,来弥补我国立法不足,从而促进我国影子银行法律监管制度的完善。基于上述背景,笔者在纵向研究影子银行的发展脉络、横向比较国内外影子银行的表现形式的基础上,采用了语义分析、比较研究、历史研究、价值分析等方法,并结合选题涉及法学、经济学、金融学多门学科的实际情况,采用了交叉学科研究方法。在深入分析影子银行的运作模式、资产证券化程序、影子银行体系对经济的影响等方面之后,指出法律监管的的必要性、提出完善法律监管的建议。利用上述方法,笔者首先对影子银行的概念予以界定,明确了本文所论述的影子银行的范围,简述了影子银行的特征与利弊;针对影子银行存在的利弊,笔者放眼国外,探究了国外对影子银行的管理利用与风险防控措施,对于先进的法律防控经验在充分甄别的基础上予以借鉴;而后,笔者又将目光拉回到国内,揭示了我国影子银行运行过程中存在问题,并对这些问题进行分析、研究;最终,在前述基础上,笔者提出了对我国影子银行进行法律监管的方案,以求扬长避短,让影子银行造福国民经济。
[Abstract]:The reputation of shadow banking as the culprit of the financial crisis of 2007 became a household name as the financial crisis spread around the world, while we were horrified by the enormous damage it had done to financial markets and the global economy. In order to control the huge systemic risk caused by the rapid development of shadow banking, we should start to rethink and study, and take legal supervision measures to bring it into the track of healthy development. In recent years, with the rapid development of economy, the market demand for capital becomes more and more obvious, especially the small and medium-sized enterprises often face the dilemma of "capital shortage", financing has become the focus of the financial field. However, the traditional commercial banks are unable to meet all their financing needs in time because of their own limitations. The shadow of the bank, known as the non-bank financial institutions, the shadow banking system came into being. They use financial products and credit derivatives to infiltrate the financial system flexibly and play an important role in the whole financial system together with the traditional commercial banks. However, due to the lack of laws and regulations in the current shadow banking supervision, the system has always been in the gray area of supervision, and has become a major hidden trouble in the development of China's financial industry. Starting from the present situation of the legal supervision of shadow banking in our country, this paper will reveal the problems existing in the supervision of shadow banking in our country's law, and analyze its causes. By expounding the relevant legislation of other countries in the aspect of shadow bank legal supervision and drawing lessons from their experience, we can make up for the insufficiency of our country's legislation, thus promote the perfection of our country's shadow banking legal supervision system. Based on the above background, the author uses semantic analysis, comparative study, historical research, value analysis and so on, on the basis of longitudinal research on the development of shadow banking and horizontal comparison of the forms of shadow banking at home and abroad. Combined with the actual situation of the subjects including law, economics and finance, the cross-disciplinary research method is adopted. After deeply analyzing the operation mode of shadow bank, the procedure of asset securitization and the influence of shadow banking system on economy, the author points out the necessity of legal supervision and puts forward some suggestions to perfect it. By using the above methods, the author defines the concept of shadow banking, clarifies the scope of shadow banking discussed in this paper, briefly describes the characteristics, advantages and disadvantages of shadow banking, aiming at the advantages and disadvantages of shadow banking, the author focuses on foreign countries. This paper probes into the management, utilization and risk prevention and control measures of foreign shadow banks, and draws lessons from the advanced legal prevention and control experience on the basis of full discrimination. Then, the author draws his eyes back to China. This paper reveals the problems existing in the operation of shadow banking in China, and analyzes and studies these problems. Finally, on the basis of the foregoing, the author puts forward a plan of legal supervision of shadow banking in China in order to maximize its advantages and avoid its weaknesses. Let the shadow bank benefit the national economy.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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